Education Loan | SBI Education Loan
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- Опубликовано: 9 фев 2025
- About This Video :
Education loans are offered by various banks to help students fund their higher education. The loan can cover expenses like tuition fees, hostel fees, books, equipment and other necessary costs related to the course. Here’s a general overview of education loans in India:
1. Eligibility Criteria
Eligibility for an education loan depends on the following factors:
Applicant: The primary applicant should be an Indian citizen and must have secured admission to a recognized course at a reputed institution (either in India or abroad).
Age: Typically, applicants should be between 18 and 35 years of age.
Course: The loan is usually offered for undergraduate, postgraduate, or professional courses such as engineering, medical, management, law, etc.
Co-applicant: Usually, a co-applicant (like a parent, guardian, or spouse) is required. The co-applicant must have a stable source of income.
Creditworthiness: Banks assess the financial stability of the co-applicant and the student’s academic performance.
2. Types of Education Loans
Banks in India offer different types of education loans, depending on the applicant's need and the course of study. The major categories are:
Domestic Education Loan: For students planning to study within India.
International Education Loan: For students pursuing education abroad.
Vocational/Skill Development Loans: For skill-based training programs or vocational courses.
3. Loan Amount
The loan amount typically varies depending on the course, the institution, and the applicant’s eligibility.
4. Interest Rates
Interest rates on education loans in India can vary based on the bank and loan amount, and typically fall between 8% to 12% per annum.
Subsidized Loans: Some schemes, like the Pradhan Mantri Vidya Lakshmi Yojana, offer interest subsidies for economically weaker sections.
5. Repayment Terms
Repayment of the loan typically begins after the completion of the course, and there is usually a moratorium period of 6 months to 1 year after the course completion. This is the time given to the student to secure a job before starting the repayment.
6. Security / Collateral
Loans up to ₹4 Lakhs: No collateral is required for loans up to ₹4 lakhs.
Loans above ₹4 Lakhs: Collateral may be required in the form of property, fixed deposits, or a third-party guarantee. For loans above ₹7.5 Lakhs, banks usually require tangible collateral security.
Popular Banks Offering Education Loans in India :
State Bank of India (SBI)
HDFC Bank Education Loan
Axis Bank Education Loan
ICICI Bank Education Loan
Punjab National Bank Education Loan
Canara Bank Education Loan
Bank of Baroda Education Loan
Union Bank of India Education Loan
Kotak Mahindra Bank Education Loan
Many More Banks
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Best video on RUclips from banking 😊
Thank you sir.. very well I understood this concept of education loan..
Sir please bring a full detailed video on PM VIDYALAXMI SCHEME and CSIS scheme.
Best video for banking loan voting 🎉
Sir please explain VIDYA LAKSHMI
Rs 3,600 crore allocation for 2024-25 to 2030-31, the government expects 700,000 students to benefit from this subsidy over the programme period.
It is still in the pipeline, hopefully implement before June 25
@@realSamarthT no i think it's implemented.
@@ankit_sharma_062 mere passing by cabinet isn't enough
8.65% is the interest rate chargerd by SBI for education loan. If you are from IIT, NITs.
To the point and best explanation ❤❤
Sar SBI overdraft loan ka AtoZ process video banaaiye na please
This is actually wrong information.
-SBI has recently launched a new product which is a non-collateral loan of up to 50 lakhs.
-There isn't any compulsion to take only collateral loans for studying abroad.
- Even in collateral loan from SBI the limit is up to 3 cr max, not 1.5 cr.
I request that you check the information properly before making a video and sharing it with the public. I have attended the wemakescholars event about SBI non-collateral loans and even saw their latest video.
Sir abroad foundation course me study loan milta hai sbi me pls reply 😊
Education Loan is only for Tution fees or include hostel and mess fee also?
Sir, SBI mentioned on Yono App no third part Guarrenty required for loan upto 7.5 lakh just Parent/Guardiant as a coborrower. You said upto 4 lakh what is correct?
Sbi is saying correct. I have took loan from sbi through vidya laxmi portal
Thank you very much for these nice and informative information
10:10 good point
What about mbbs from private college...? In India
Sir Apne course ke saath CS kar rahe hai toh kya uske liye loan mil jaayega?
Loan Cahiye To Mera Dp Chake kijiye ";!
@@PankajKumar-m2m1ehatttt😂
Sir Mane education loan ke liye SBI mein apply kiya h but bank wale Subsidy Dene ko mana kr rahe h , please tell about it
Bhai kon se college me addmision hua hai
@kartikAnand-4756 Biet jhansi
Sir college ka first year ka humne de diya baki ka 3 saal ka mil jayega kya? Aur meri cgpa 8.4 hai koi dikkat hai kya?
1:42 power of JEE
Good 👍
I am within India and i want to pursue some international course like CPA USA in that case can i get a education loan?
U r really lucky 😅
@dhillonsaab5008 why!
Sirjii Kya Muje Fees ke eliva dusre expenses ke liye jya amounts ka loan mil sakta hai? Example= 4lakhs fees - and i need more 1 lakhs = 5lakhs?
Gramin bank Wale rakm sun kr hi chup ho jate h 😂 kya bo education loan dege
My moratorium period is over can I avail the subsidy now
Aur agr maine beech me btech chhor di to bhi kya mujhe loan Dena pdega bacha hua
Sir Abroad study ka loan ka process batio plz 🙄🙄🙄🙄🙄🙄🙄🙄🙄🙄🙄🙄🙄🙄🙄🙄🙄🙄🙄🙄😓🙄😓🙄😓🙄😓🙄😓
New feature sbi capsp salary package bare me batao sir.yeh feature eligible hone ke baad kya extra term insurance Lena jaruri hain kya please reply me SIR.
5 din bad fees payment ki deadline to abhi khud se pay karne k bad bank hame education loan kar denge ya nahi?
Han
Yes they transfer it in your account
Yono SBI overdraft AtoZ process video please
Sir baki tou smjh agya bht ache se btya apne,,, But ye btao k jb hmein loan vps krna prega uss time us pr monthly kitna Interest lgega?? For loan upto 4 lakh ki bt krrha hu? Aur ye loan agr m upsc coaching keliye lu tou mil jyga n? Plz btayie sir
Loan Cahiye To Mera Dp Chake kijiye ";!!
Sir ek doubt ha jaise agar mere college ka tution fees 3 lakh ha pure course ka aur transportation charges 60k ha toh tution fees toh college ko chal jayega lekin kya other expense jo ha woh hamare account me mil jata ha kya ?
Jaise ki other expense like books , transportation and gadjets
@@iamnobody251nhi paise aapko kabhi nhi milega jitna collage wale bill denge usse aapko bank me lejana hoga utna ka hi loan milega aur oo v unke account me bill pe collage walo ka account hota hai . Apko ek paisa nhi bank hi sida fee bhare ga agar collage wale transportation and books kaa jor ke likhenge to oo milsakta hai oo v unke account me hi
Total fees mein service like hostel fees, transportation, books , library , alumni, system vagera included hai toh vo bhi cover hote hai
Eg : Tuition fee is around 3 lakh and other expenses are like library, books vagera mila ke total fees 4 lakh hoti hai vo bank pura 4 lakh cover degi apni collegeki website check karo
🌟sir yis loan pe tax kitna percent lgta hai
Bank to bank vary karega
Interest or. Extra kitna lage ga sir.. 1L me gvt college..
Sir mera spouse ko education loan chiye... Aur mai govt emply hu muja tax exemption milega? plz reply
Bhai please mujhe reply do urgent h bhai
Mai college padh raha hu 2nd year mai aur 3rd year mai mujhe college open se krna hai aur sath sath ek aur course krna hai jiski fees 1lakh 5thousand hai but vo domestic hai koi college nhi h kya bank wale mujhe loan dedege??? College ki fees ek saal ki sirf 20000 hai please btao bhai kya kru
Education loan default ho gya to bank kaise recovery karta full process btao
Does SBI provide provisional disbursement?
Informative content
The criteria u told which bank aprove that criteria
Interest rate kya rahta education loan ka 🙏🙏
Sir jaise nit me sc/st ki tution fees maaf hoti hai lekin unhe hostel and mess fees deni padti hai to uske liye bhi bank loan dega ?
bank me jaake baat akrle dost kaaha duniya bhar pooch raha hai ! bank jaake saara confusion door karle !
😂@@SanjayBaghel-b4j
Education loan ka amount kuch reduce karwa sakte hn kya??
Sir can we get education loans for competitive exams like CA ,CS, ACCA
Sir hamahare odisha kee puri district k ek SBI hai jiska manager bol raha hai course duration jitni saal hoga utni saal 50000 fix deposit karne kee liye aur pitaji b bol rahe hai kii mere pass paisa hota to Mai kyu loan karta? Iss situation mee kya kiya jae? Bolo plzz😢🙏🏻
Write to RBI.
Ask another sbi bank or apply online
Kansas sbi?
Jis college m admission lena h vha contact kro unke bhi bank m agent hote h ,vo log help krenge or alag alag bank m visit kro
For an easy method I will suggest you to call WE MAKE SCHOLARS they will definitely help you, I used their services and after that I can say they are top notch in this field but assuming each and every individual has a different perspective so try by yourself. Their services are totally free of cost.
Is it a rule that sbi bank will not give back of the amount paid by us before loan sanctioned. Even if the total loan approved on total fees for total course duration.
AIIMS me kon loan leta hai 😂😂
6k fees😂
Gajab Bejjati hai yar 😂😂😂😂
Mai lunga
😂😂
Sir Very Nice Video
Ews ke liye bhi interest bhi lgega
if your income above the 4.5 l
Sir can I take education loan for taking admission in BAMS in private college?
How much simple intrest they will take during moratorium period.
Normally abroad study loan liye banks kitna percent charge krte h?
Sarkari Naukri ki tayyri krne walon ko loan nhi milega kya 😢
Tax to btaya nhi very smarttttt main dought jo sbka thaa
If the student who is taking the is not present during the process of loan sanctioning will the loan be approved? Like i study in kerala and i am applying loan in jharkhand(ranchi) and my class is starting... So i have to go day after tomorrow...and i have submitted my documents but i won't be able to be present on sanctioning time... Am i required to be present there or it will be approved without my presence...??? Please can you help me.
Hey did you applied in vidya lakhmi portal or in the branch itself?
What is the procedure for applying can u please let me know....actually I have the same issue as yours.
Best video ❤
Thanks sis ji 🙏🏼
Moratorium period ke baad sbi bhi CI LAGATA H KYA ??
Sab hi lagate hai thats how bank works
Sir mera cibil issue bata raha h 5 monthse jab ki wo 685 hain,iska solution dijiyena
Sir, Please tell me about Pradhan Mantri Mudra loan in detail
Sir I need help regarding credit card bill payment via cred as I used my credit card limit upto 60% and as I was doing before I tried paying it before the generation of bill and now when I was trying to pay with cred it says we will notify you as soon as your next bill is generated I now fear that the utilization rate will be shown in my report and it may affect my credit score so is their any way out of this. Please help
sir i take loan from ews category but subsidy nhi aarahi hai 3 year se kya karna chahiye mujhe
Agar makeup industry ke regarding course krne ke liye education loan lena ho to bank provide krti hai ya nhi
@@nitz_-wl2lp loan chaiye apko me help kr skta hu
@@nitz_-wl2lp loan chaiye apko me help kr skta hu
@@nitz_-wl2lp loan chaiye apko me help kr skta hu
I'm a ca student I want to apply for loan to pay fees am I eligible for it
Sir can we got loan after clearing backlog please reply me
12th me kitna percentage required hota hain bhaiya
M.a wale ko milega ki nhi
Nice video
Sir education loan per vyaj 1st year se hee lagega yaa moratorium period ke baad lagna shuru hoga
@@Rahul__taknera no pahile 3 years ke liye interest nhi lagta hai 24 months for course or 12 months for job searching.
@@PubgATSking bhai aapne liya hai kya education loan
@@PubgATSkingbhai jese mene bteck ke liye education loan liya to 4 saal tak interest nhi lagega
@@Rahul__taknera MS kar sakte ho bhai US mai.
Leap finance mai Ja kar check kar lo sab details milega
sir please make a video on best bank for salary account🙏🙏
Hdfc, and ICICI just go for it
very beautiful bro
Nicely explained!
Boss esa ho skta hai kya Meko 1saal ke liye chaye lekin course duration 4 salll h to esa ho skta hai
BNYS course ke liya loan milta hai ya nahi plz 🙏 बताएं sir ?
@@Mr.LavkushChaubey loan chiye apko
Sir ETF pr video banaoo sir
SBI Apollo credit card review... plz
MBBS private medical college ki liye 90L milega sir.
Collateral rakhna padhega like ghar , FD vagera
Sir 4 lakh ikattha dedete hai kya
Sir foreign education loan college ki offer pr milta h ja university ki offer letter pr milta hai .?
Pov: A btech student from nit/iiit
Sir agr meko laptop phone books lena ho pdhai k liye toh usko v education loan k under laa skte hai ky????? Anyone plzz tell
Sir bsc nursing wale bhi le skte h kya
Sb le skte hain...
Kis college se Krna chahti hain aap nursing
Mujhe bhi bsc nursing ke liye hi loan chahiye
Loan me se bhi tax dena hoga kya
Sir Gujarat me ek new loan milta hai animal loan matlab hamare jo gay ya bhesh hai unko girvi rakh kar loan milta hai but ager loan ka EMI nahi dete to bank bhesh nahi je jata hai but dusri baar loan nahi milta kisi bhi type ka loan nahi milta kya ye loan sahi Lena sahi hoga me gay buy karna ke liye hi loan Lena chahta hu jinse muje income bhi hoga
😂🤣
Sir ji maine SBI se 2.5 lakh ka education loan liya hu 2022 me..aur bank wale loan sanction nhi kr rahe the becoz of parent civil socore low tha aisa unn logo ne bola..aur mujhe bola ki interest starting se hi dena padega tabhi loan sanction ho payega...uske baad application likhawaya..fir kiya sancction..aur mai interest EMI ke base pr monthly de raha hu 2022 se hi...eske baare me batao please
Interest dena hi padta hai
Mammy ke nam par krishi lone hai to education lone milega kya
Sir, CA cource ke liye education loan kaise le
As IITs are prestigious engineering college but what is offer for India's prestigious research college like IISERs, ISI, IISc ?
How can we get education loan say these things please
PM Vidyalaxmi scheme pe video please
Degree ke beech mein se le skte hain kya education loan ?
IIT main kaha collateral lag raha bhai??
Urgent need of 50k for college fee, how can i get this amount through loan?
Sir main ye janna chahti hu ki main ek single Mother hu, main ITR nhi bharti mera beta M.S.C Padai ke liye loan lena chahta h, kya usko loan mil sakta hai ?
Parents ka cibil score thora sa kam hai par bank study loan nahi kar rha abroad ke liye marks bi 87 percent hai pte kari hai 65 percent ki scholarship bi hai kya kare please tell
Sir Mereko D El d Karna hain kya,,koe collateral ya Guranter chaiye????
Sir BA Valo ko mil sakta hai kaya
एमबीबीएस सेमी गव्हर्मेंट कॉलेज पढाई के लिए बँक लोन 7 लाखही दे रही है सेमी गव्हर्मेंट कॉलेज खर्च 60 लाख रुपये आहे बँक तो 7 लाख तक ही देती है बाकी का लोन कैसे करे बताये जरा
bhai suppose 10lakh ka loan liya to study in Foreign university and scholarship bhi apply krdi to is case me kya hoga? I mean scholarship agr baad me mil gye to usse adha loan repay kr sakhte hai?
Please share your inputs
Jamia Millia Islamia comes in prestigious college or university
Sir mene education loan keliye 29th October ko apply Kiya tha sbi me and file bhi submit ki hai and jansamarth portal se apply bhi kiya hai still mera loan processed nhi kr rhe bank vale
Paisa khilao bhai bank wale ko miljyega
Does anyone know interest rates for NLUs (National Law Universities)?
M bsc nursing krri hu mene apply kra sb kuch ho gya bas patvari sign nhi kr rhe h ab ky kr skte h
Patvari ko pakad ke char kan ke niche lagao 😂😂